Remember: Even though may think you have a great score, make note that in a world where banks are “playing it tight” your borrower must show an ability to repay. The best way to show the ability to repay is to show a pattern of positive payment on other credit lines. Remember to always pay your bills on time (especially during the borrowing process). Also, it is important to know the importance of a healthy mix of credit. Having a car, student loan, a few revolving accounts and an installment loan shows a well-rounded borrower (say, when compared to someone with only 13 student loans…even if they have a 737 score!)